• 제목/요약/키워드: virtual banks

검색결과 13건 처리시간 0.021초

전자상거래의 경제적인 효과에 관한 연구 (A study on Economic Effects of Electronic Commerce)

  • 조원길
    • 정보학연구
    • /
    • 제1권1호
    • /
    • pp.155-172
    • /
    • 1998
  • 전자상거래의 경제적 효과는 인터넷의 활용으로 전제적인 거래비용을 줄임으로써 기업의 구조와 사업영역을 변화시키고, 중소기업의 시장진입을 쉽게 함으로써 다양한 거래형태와 많은 이익을 안겨주고 있다. 또한 전자상거래는 검색비용, 배달시간 등을 절감시키고 소매업을 변형시켜 제품의 설계와 소비자에게 최종판매되는 공급사슬의 매개와 교환에 영향을 끼치고 있다. 따라서 전자상거래에서 얻을 수 있는 전체적인 효과는 낮은 거래비용으로 국내외적인 경쟁촉진, 품질향상과 가격하락, 기업간 상거래와 소매업의 변형을 들 수 있다.

  • PDF

MMG 모델을 이용한 제한수로를 운항하는 선박의 침로안정성능 추정에 관한 연구 (A Study on Estimation of the Course Keeping Ability of a Ship in Confined Waterways Using the MMG Model)

  • 김현철;김인태;김상현;권수연
    • 한국항해항만학회지
    • /
    • 제43권6호
    • /
    • pp.369-376
    • /
    • 2019
  • 선박이 제한수로를 운항할 때에는 기존 심수 및 천수 중을 운항하는 선박의 조종특성과 일반적으로 다르기 때문에 선박의 안전한 항해를 위해 달라지는 선박의 조종특성 추정이 중요하다. 본 연구에서는 제한수로를 운항하는 선박의 조종성능을 추정하기 위해 조종운동 방정식과 가상 구속모형시험 시뮬레이션을 통한 유체력 미계수를 이용하여 조종성능을 추정하였다. 조종 수학 모델 중 선체, 프로펠러, 타를 분리하여 유체력을 모델링하는 방식인 모듈형(modular type) 모델에 제한수로의 영향을 고려하는 항을 추가하여 제한수로 중 조종성능을 추정 연구를 수행하였다. 제한수로 중 선체에 작용하는 유체력 미계수를 도출하기 위하여 상용 CFD 프로그램을 이용한 가상 구속모형시험 시뮬레이션을 수행하였다. 최종적으로 제한수로 중 직진 시뮬레이션과 Zig-zag 시뮬레이션을 수행하여 제한수로의 영향이 고려된 조종 시뮬레이션을 수행하였다. 특히 선박의 침로 안정성능을 평가하기 위해 Zig-zag 시험을 수행하는데, 측벽으로 인한 선박 주위의 비대칭 유동이 좌현과 우현에 압력차이를 발생시켜 선박의 궤적에 큰 영향을 미침을 확인하였다.

인터넷 뱅킹에서 오프라인 신뢰와 온라인 거래의 관계 (The Relationship between Offline Trust and Online Transaction in Internet Banking)

  • 이웅규
    • Asia pacific journal of information systems
    • /
    • 제17권2호
    • /
    • pp.29-47
    • /
    • 2007
  • Owing to the rapid growth of using the Internet, not only click-and-mortar companies but also brick-and-mortar ones have been expanding their distribution channels into online, Moreover, since online channels are more attractive than offline ones in control and maintenance, switching customers into online ones is emerged as one of very important managerial issues in a view of reduction of cost as well as expansion of services. However, the switched customers should be faced by uncertainties which could not have been experienced in offline. Specifically, in online channels, buyers and sellers are separated temporally and spacially and there are always so many kinds of threat for security as well as not enough systems and conventions for them yet. Therefore, trust has been considered as one of the most critical mechanisms for resolution of such uncertainties in online transactions. However, it is not easy to build and maintain the relationships in online since most of them are virtual and indirect generally. Therefore, in order to switch offline customers into online ones, it is very important to make strategies based on identification of the relationship between online transaction and offline trust which has been built in offline business. Generally offline trust, which has been built independent of online, could not include trust for online-dependent activities such as payment security during or after transactions, while most of online trust include it. Therefore, a customer with high offline trust does not always perceive high security and assure safe transactions. Accordingly, while online trust, where technical capabilities for online security is one of main bases, includes control trust implicitly or explicitly, offline trust does not. However. in spite of such clear discrimination and independence between offline trust and perceived security, there can be the significant dependency between these two beliefs. The customers with high offline trust believe that the company would do some activities for online security for customers' safe transactions since it has been believed of doing well for customers' trust. Theoretically, users' perception of security is interpreted as a kind of control trus, which is trust for company's technical control capacities in order to resolve technical uncertainties in online. Therefore, the relationship between two beliefs can be considered as transference from offline trust to another type trust. that is, control trust. The objective of this study is to analyze the effect of offline trust on online transaction uses mediated by perceived security. For this purpose, we suggest a research model based on technology acceptance model (TAM). Reuse intention is adopted as a dependent variable and TAM is modified by adding perceived risk (PR) as well as two beliefs of using Internet banking, perceived usefulness (PU) and perceived ease of use (PEOU). Moreover, perceive security (PS) is adopted as an external variable for PR and PU, while offline trust (OT) is an antecedent of PS. For an empirical test, sampling from 108 visitors to the banks in Daegu, Korea, we analyze our model by partial least square (PLS) approach. In result, our model is shown to explain 51.4% of the variance in reuse intention and all hypothesis are supported statistically. A theoretical implication of this study is to identify a role of PS between offline trust and reuse intention of using online transaction services. According to our result, PS can be considered as a mediation variable for bridging between two different concepts: trust that explains social aspects of customers and companies, and TAM that explains customers' reuse intention.